Date Received: 2023-05-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I was contacted by a phone number that appeared on my caller ID as CHASE. There was a woman on the other end of the call that stated she was calling on behalf of Chase because there was fraudulent activity on my account and they wanted to verify if it was me. I told her no it was not me, and she informed me that in order for them to issue me a new card they would text me a verification code to verify my identity and once they got that code I would get a new card. I did not know by giving this person this code would grant them access to my account. Once the thieves got the code they conducted ( 30 ) {$100.00} withdrawals from my account which totaled {$3000.00}. Once I caught this I called Chase immediately and turned off my card, and locked all of my accounts down. I have been calling into Chase fraud department almost everyday and even went into the branch to give them a copy of my police report, then today I found out that they denied my claim and stated they felt it was me that did the transactions. When I called the fraud department they told me that due to the proximity to my home and that no other devices were registered to my account it had to be me. I told the agent that I had received an email from Chase the day this happened and it stated that my card had. been added to someone's XXXX so I was not sure how they were saying that the card was not connected to anyone else 's phone, when I had the email that stated otherwise. I also told them that no one ever even bothered to call me to see what happened so I was not sure how they could come to a conclusion about something with no facts. This person too {$100.00} out of my account 30 differenet times, back to back and that is not normal behavior. Had I needed that amount of money I would have went directly to the bank, which is not far from the location this happened at, actually about 3 blocks away. So why would I bypass Chase to go to a XXXX to withdraw cash and do it in small increments if it was actually me. That screams FRAUD. I am not even sure how Chase did not stop the withdrawal after the 3rd attempt to withdraw cash. I have told all of the Chase agents that I have not authorized any of these transactions, I would encourage them to look at any video footage from the camera or trace the IP address of the phone to see that it was in fact not me. I have been a. customer with Chase for almost 20 years and have never had anything like this happen to any of my accounts, this would require a simple common sense objective to analyze to see this is FRAUD. I have attached a copy of my bank account that shows all 30 transactions coming out of my account. I also have a police report that I am happy to provide privately.
Company Response:
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hi I opened a chase business bank account and deposited a check for my business on XX/XX/10, after 2 business days the money was cleared and available to use but my account had been restricted. I reached out to chase and they said they had to verify the funds with the issuer. I spoke to the issuer XXXX from XXXX XXXX and she told me chase reached out to her and she cleared the funds. I call chase later to be ambushed with questions of why I was receiving a check for that amount I immediately felt disrespected and gave them my info. A day later I get a call from chase that they couldnt verify the funds and they would be closing my account with no explanation this is inconvenient and my money is sitting in a restricted account that I cant access, please help me or let me know what I should do. Attached I have documents of everything, my business name is XXXX XXXX XXXX Account number XXXX
Company Response:
State: TX
Zip: 77072
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We recently paid off our Texas home and at closing we had an overpayment as well as escrow balance of roughly {$3700.00}. Chase informed us they would be dispersing a check for this amount immediately after closing on XX/XX/XXXX it would take roughly 7 to 10 business days for us to receive the check after XXXX business days we called in to ask when we should receive the check as we still have not received it. They stated that they could add the funds directly into our Chase business account and it would take one to two days to process. XXXX days after not receiving the funds again we called in and were informed that they could not process the funds into a business account. It had cut another check to be here no later than Wednesday, XX/XX/XXXX. After not receiving the funds by Thursday the XXXX we had called in again and spoke to an escalations manager to informed us the check would be here no later than the next day Friday, XX/XX/XXXX. We just got off the phone once again today, XX/XX/XXXX with another escalations manager, who informed us they would cut another check, which would likely take an additional 10 business days to receive. At this point it seems Chase has no intention of actually dispersing our funds back to us, and is unwilling to make any accommodations to give us our owed money.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: A young lady with my first name was sharing my account with me not sure how she was able to use my account without chase being able to catch her and unfortunately for me she was collecting my paychecks from my partime job for over 6 months and I am now out of almost {$10000.00} I have tried to resolve this issue with chase but to no avail, I need my money to pay my bills and to take care of my family please help me catch this criminal.
Company Response:
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: I deposited a check sent by a client for XXXX XXXX The check was a deposit XXXX XXXX XXXX XXXX XXXX for the XXXX of XX/XX/2023. The check was of XXXX $ and after I deposited the check the bank put a hold on my account.I call chase and they decide to cancel my my business account with them. They said that the check was fraud. That the check was also deposited already prior to the date I deposited it.
Company Response:
State: FL
Zip: 32703
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I am writing to you today to appeal a negative credit report entry that has caused a significant drop in my credit score. The issue at hand is a {$13.00} interest charge that I was not aware of due to travel, which was reported by JP Mogan Chase XXXX Credit Card after I had already paid off the entire $ XXXX balance. I strongly believe that this negative entry is unreasonable after making every effort to ensure that I paid off the full balance owed. The fact that this small amount of interest has resulted in such a significant drop in my credit score ( -60! ) is extremely concerning and has the potential to impact my financial future in a significant way. I respectfully request that you intervene in this matter and work with JP Morgan Chase Southwest Credit Card to have this negative entry removed from my credit report. I have been a responsible borrower and have worked hard to maintain a good credit history, and I believe that this one-time oversight should not be allowed to have such a negative impact on my creditworthiness and potentially a negative impact on my security level and job suitability. JP Morgan Chase Southwest Credit Card has a strict policy and they are unwavering. Thank you for your time and attention to this matter. I look forward to your response and resolution of this issue. Sincerely, XXXX XXXX XXXX
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Problem with customer service
Subissue:
Consumer Complaint: XXXX XX/XX/2010 I had a cashiers check made out to me for {$10000.00} NEVER told there was an expiration date, went to deposit it and chase bank got mad at me (? ) for not depositing/cashing it. I have legally changed my name to XXXX XXXX, chase bank gave me a new checking account with my new name, so why this turned into a problem is mind boggling
Company Response:
State: AZ
Zip: 85206
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Account been closed because of fraudulent activities on XXXX, I reported this on XXXX multiple times & also in person.bank did nothing & closed my account
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Hi, my name is XXXX XXXX XXXX, my XXXX is XXXX. The first day i was opening my account banker scan my documents and after wrote over they, that's why they are not correctly in the Database, thats why they are no legible, thats maybe the cause of all this situation. I have send the documents more than 5 times, including through the one of their managers. Now Chase retein my funds from XX/XX/XXXX till now and nobody give me and straight answer, last call they was saying that the funds where in OFAC but is imposible because i have OFAC confirmation and they don't have my funds. Today they was trying to tell me that is my fault, because i don't have a legal document, in that case, why they open the account in a first place...? Is not my mistake. But honestly is not correct, i have I XXXX and I'm legally working and living in this country. They told me now 8 times " We are gon na send the check next week '', the first time was in XXXX, but never happen and the story start over and over again without and end. I'm really upset, because i have tell they that i wan na close my account but i don't know why in 6 months they don't close it, whats is rare because in the Branch they have a note saying that i can make a withrowal but they can not make the overwrite in the system and thats it. I have call more than 20 times, every call 1 hour or 2, they have call several times with a different version of the situation, i have been in the Branch several times, more than 15 times, in differents Branchs actually ... what i need to do to receive my funds??? I have my son and wife suffering this horrible situation and i have been paying everytime XXXX plus my rent payments because Chase have my Funds and i have delays. I need a Senior Manager and the solutionplease... ASAP.
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Chase Bank closed my credit card account due to multiple reports of fraud, as in someone else using my card information to make purchases. I filed a police report to see who was making these purchases, and they couldnt find anything. Nevertheless, I was okay with them closing my account because Ill apply for a new one. However, before I do that, I want to make sure everything is accounted for, as in getting all the money back from fraudulent purchases I didnt make. They just credited me {$5.00} for three transactions from XXXX as they said in the recent complaint I filed before this ( however I only see 2 of them credited back to my account ). Where is the third transaction I am to be credited for, as I dont see it on the app. The main concern is the two other transactions I am having issues with. They are from XXXX XXXX/bill for {$100.00} and {$42.00} on XX/XX/2021. I got temporary credits but then they charge me money again for some reason. I have provided them proof - multiple times- but they say to me that I need additional documentation. How XXXX XXXXXXXX do you propose for me to back up with information with accounts I dont have ( in this case, XXXX XXXX. Spoken to XXXX about this, and they also see that no purchases have been made on my account. Also spoke to XXXX, and they tell me that someone is using my first name and email for an account, but thats it. They are unaware of any information pertaining to these two transactions, and the person who uses my name and email didnt make any transactions pertaining to it. I have done three way calls with merchant, myself, and Chase, and the representative from chase each time I call acknowledges that I didnt make the purchases. Each time, however, I am not sure why it is getting denied and not in my favor. I have done everything in my power to prove that I didnt make any of these transactions - everything. Meanwhile, chase gives other information and doesnt back it up with proof, just saying whatever they want. Even if thats the case, they should be able to back up their claims with proof of some sort such as screenshots, audio messages, and such. I am frustrated with Chase bank and their failure to take accountability. Both XXXX and XXXX unfortunately cant do anything to help me because they do not see any information on their end pertaining either to my XXXXXXXX XXXX or the XXXX account someone else is using with my name and email respectively. How is this fair that when I opened the account with them, they are the only bank or credit card company who I am having this issue with? Everyone else has pretty much resolved any issues pertaining to fraud I have had, if any.
Company Response:
State: NJ
Zip: 07470
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A